LazyPay – Instant Personal Loan Online & Pay Later


Get Instant Personal Loans upto Rs. 1 lakh with LazyPay, using an easy digital process and minimal documentation!

Do more than Buy Now Pay Later via LazyPay! With a unique credit limit for every user, you can now buy that new laptop on EMI, go on that trip you’ve been saving up for, take up a new course to study ahead or meet all expenses in times of emergencies.

For quick & easy access to instant loans, you don’t even need to have a credit history! Our proprietary customer profiling & risk analysis ensures you get the best offer anytime anywhere, as per your convenience.

*What is LazyPay?*

LazyPay is India's fastest way to get credit online. Discover your unique credit limit which can be increased upto Rs 1,00,000 through an easy digital process. Use your credit limit to shop now pay later across 100+ of your favourite apps and websites, get an instant loan online to your bank account and repay using easy EMI options at affordable interest rates.

How it works?

LazyPay powered by PayU extends a personalized limit to users through a simple process:

1. Sign up for LazyPay on the app & upload PAN details to check your eligible limit, instantly!

2. To activate your enhanced limit, fill in few details like Aadhaar, selfie & signature.

3. Once approved, setup repayment & done!

4. You can start using your LazyPay credit limit as an instant loan, convert to No cost EMIs on partner merchants or buy now pay later in One Tap!

Why choose LazyPay?

You get access to an instant line of credit online, to power your purchases and dream BIG to achieve your dreams.

1. No Bank visits, LazyPay’s approval process is 100% paperless

2. Get 24X7 access to credit, anytime anywhere

3. Pay interest only on the amount withdrawn

4. Collateral free personal loans, for all users eligible for LazyPay Credit Limit

5. Pay Later in One Tap at 100+ apps & websites, like Swiggy, Zomato, BookMyShow, HungerBox, Hathway, Reliance Energy & more!

6. Convert your high value purchases into flexible EMI plans from 3 to 24 months with a single OTP checkout

7. Receive consolidated bills of all transactions and repay LazyPay on the 3rd & 18th of the month

8. Track purchases, repayments, bills & EMIs when you login to your LazyPay account on app & web.

9. Transfer your available limit direct to bank account or save for unforeseen situations.


Data security & privacy is given top priority at LazyPay. We comply with mandated security standards & protocols.

Where can I use LazyPay?

1. LazyPay’s One Tap checkout is available on all your favourite food, entertainment & utility merchants, including Swiggy, Zomato, Niki, Ridlr, Box8, ACT, FreshMenu & more

2. Cardless EMI by LazyPay is available as a Payment option to convert all your high value purchases like home appliances, furniture, laptops etc. into flexible plans at affordable interest rates. Checkout via LazyPay on OnlyMobiles, BYJU's, Hathway and many more coming soon!

3. Your available credit limit can be used for personal loans on education, automobile, travel, electronics & more.

4. Do a one click transfer of your limit straight to your bank account & use as you need

5. This advance salary is also helpful when you have to meet expenses during the time of emergencies.

What else can I do with LazyPay?

A. Your favourite Citrus Wallet lets you load money via cards & net banking. You can also secure your card information for quick purchases on the go.

B. Get the benefit of UPI, for fast and secure money transfers directly to a bank account!

Scan and pay at multiple payment points with a unique UPI code and send or receive money with just a mobile number.
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What's New

- We just rebranded to the new LazyPay App!
- Checkout our brand new Home page
- Experience smoother sign-up & sign-in
- We keep improving and optimising our app for a better performance & keep a check on bugs.
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Additional Information

November 15, 2018
Current Version
Requires Android
5.0 and up
Content Rating
Interactive Elements
Digital Purchases
Offered By
Citrus Pay
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